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Governed GenAI for payments: a reference architecture
Governed GenAI for payments means running AI as a controlled layer above the transaction core, never inside the authorization path. This reference architecture places an LLM gateway, guardrails, audit logging and retention rules between users and models, so banks capture AI's productivity gains while ISO 8583 and EMV flows stay deterministic and auditable.
The full article is in progress. The summary and questions below capture the core argument; the complete piece — with reference-architecture diagrams and worked examples — is coming soon.
Related questions
- Where does the AI layer sit relative to the payments core?
- Above it. The core keeps handling authorization and settlement deterministically, while the AI layer handles knowledge, drafting, triage and tooling. They communicate through governed interfaces, never by embedding a model in the transaction path.
- What controls make GenAI auditable in a payment environment?
- An LLM gateway that logs every request and response, guardrails for input and output, role-based access, prompt and response retention rules, and a vendor inventory mapping each model to a monitoring pillar — each control mapped to PSD2, DORA, GDPR and PCI-DSS obligations.